...also...look at the policy commencing after 90 days and if you are say over 55...look at a 5 year policy. This also makes it cheaper.
As for life insurance...it should cost less than 500per year for say 250k worth of cover.
11k per annum is insane!
I am in my mid forties and pay $67/mth ($804) for trauma and death cover is in my super.
I also am covered for 5k per month benefit.
Try Tower Insurance they offer competitive income protection/trauma cover.
